Comparison · vs Lendio
ICG Funding vs Lendio. An honest read.
Loan marketplace, not a lender. Your application is shared with multiple lenders.
Choose ICG over Lendio when you want one application, one point of contact, and no cross-marketing follow-up calls. Choose Lendio when you want to cast a wide net across 75+ lenders and are comfortable with multi-channel sales follow-up.
Updated 2026-04-26
Side by side
The numbers, without the spin.
Revenue-qualified. Decision in 24 hours.
Minimum FICO
500
Time in business
6 months
Minimum revenue
$15K/month
Funding speed
24 hours
Products
Revenue-based, term, line, factoring, equipment, SBA, BCA, bridge
Typical amounts
$10K to $1M+
Data sharing
Never
Loan marketplace, not a lender.
Minimum FICO
550
Time in business
6 months
Minimum revenue
$50K/year
Funding speed
1–30 days depending on match
Products
Marketplace referrals to 75+ lenders
Typical amounts
Varies, marketplace, not a lender
Data sharing
Yes. Marketplace.
Differentiators
Where each option actually wins.
Where ICG wins
- With ICG you deal with one dedicated team and one point of contact, not a rotating roster of lenders calling you.
- ICG does not sell your contact information to third-party marketers; Lendio syndicates your data across a lead-gen network.
- ICG typically closes in 24 hours; Lendio's marketplace matching can take 1–30 days depending on your profile.
Where Lendio may win
- Lendio's marketplace can surface options ICG does not offer (e.g., specialty franchise loans, very-high-amount commercial real estate).
- For a borrower with tight qualification who can't qualify at ICG, a marketplace may surface alternate lenders.
Decision guide
When each option is the right call.
Choose ICG when
You want one application, one point of contact, and no cross-marketing follow-up calls.
Apply with ICGChoose Lendio when
You want to cast a wide net across 75+ lenders and are comfortable with multi-channel sales follow-up.
FAQ
The questions you actually asked.
Choose ICG over Lendio when you want one application, one point of contact, and no cross-marketing follow-up calls. Choose Lendio when you want to cast a wide net across 75+ lenders and are comfortable with multi-channel sales follow-up.
Lendio requires a 550 FICO minimum. ICG accepts 500+.
Lendio funds in 1–30 days depending on match. ICG funds most products in 24 hours.
You want to cast a wide net across 75+ lenders and are comfortable with multi-channel sales follow-up.
Next step
See your options in minutes.
One application. One specialist. One real decision in 24 hours.